Yes, NatWest hasn’t put sort codes account numbers on its bank cards for years.
3 Likes
What made you think that it’s accepted best practice?
Most banks still include them, it’s only a few that don’t.
The best I’ve had is homebase.
I’ve come to collect an order
This must be yours. Hands item
Don’t you want Id or order number?
Nah you’re the only collect today so that must be your order
10 Likes
Don’t tell me. You ordered a pack of batteries and walked out with a lawnmower 
3 Likes
That might be something Chase intelligently manage, much like the larger banks and to some extent Starling. The 3DS process starts and then automatically verifies without further intervention for the significant majority of my purchases - even for large amounts.
It would really annoy me if I was prompted for security for every little purchase. Much how like with Monzo/Starling I have to wait for a contactless transaction to be approved instead of it just automatically approving like other larger banks or credit cards.
That last point only really gets annoying when it’s smaller merchants with slow or dialup card readers.
Isn’t the Tesco issue Tesco themselves? That happens with Monzo for me.
Tesco didn’t ask for reverification until earlier this year. I’m sure there was an email (but I may be wrong) stating that Tesco will now reverify (via 3D secure) every time your groceries order increases. If the basket balance decreases it does not ask for reverification.
Morrisons doesn’t ask again so I switched to them.
Tesco have changed their process so you have to re-verify every time you change the order. So it’s nothing to do with Chase.
I’m not sure there’s any sort of process online that would annoy me enough to switch to Morrisons!
5 Likes
Ocado now actually works with M+S and Morrisons. So, they’re covering ‘both ends’ of the demographic.
Morrisons are also setup in Amazon Prime as well - although I think that’s still rolling out across the country, but that does mean you can get same day delivery from them through that.
Anyway, about the ‘Chase’ bank eh? That looks good (to bring the subject back around to the topic 
1 Like
It’s hardly a big deal to switch to the chase app and approve the purchase. Sure the express list makes things a little easier but time saved is less than 30 seconds.
1 Like
I think you are confusing bank transfer scams with card fraud. Card fraud is common and you don’t need to fall for a scam in order for it to happen to your card. I’ve had it happen a few times.
I think I’d much rather some 3ds checks than lose money each time I suffer card fraud.
1 Like
The way to resolve your issue you seem so upset about, is to build your shopping list and leave it alone instead of playing about with it causing the drama of having to confirm it’s you using the card again to spend additional funds.
Tesco are on point for doing so and that Amex Express List would leave you open to fraud if you left confirmed retailers on there and someone got your card and rinsed it on said websites, and you wouldn’t notice because you already approved said retailer to not bother checking it’s really you.
Is that something you really want to leave yourself open to?
2 Likes
Banks most probably aren’t interested in opening their customers to fraud and then having to pay out to the customers in the event they are subject to fraud, so would ideally just like them to verify themselves for simplification.
2 Likes
I personally use Sainsbury’s online ordering but the app/website is my shopping list - I have all week to add the things I’ve forgotten about and remove others that I no longer need. That’s one of the nice things about it.
Fortunately, they don’t re-verify on every update like Tesco do.
Haven’t tried with Chase yet as I’m getting 500 additional nectar points for each shop at the moment for using my Sainsbury’s credit card.
3 Likes
Yeah. Forget the useful little feature which actually might get you to switch from using Amex where it already exists. You’re doing your shopping wrong.
2 Likes
Had a weird how’d-you-do with my Chase account yesterday.
Purchased train ticket from usual self-service terminal, and received push notifications from Chase and Google Pay that the transaction had gone through. Tickets printed and collected from the machine.
Even the 40p roundup went into the roundup account.
While on the train, I receive an SMS from Chase : “Your payment for £6.60 … didn’t go through. No money has left your account.”
I cheque my app and, sure enough, the £6.60 transaction has disappeared. Yet the 40p roundup still there. So now my balance not ending in .00 
(small thing I know)
Okay. Nice bonus, I thought.
Then this morning, I get push notification from Chase that I have completed a £6.60 transaction at 07:53, 13/10/2021, some 18.5 hours after the transaction was actually conducted 
Not only that, the app had moved 40p into my Roundups account again 
I am not complaining, because I have no issue paying for a service I used. I am just curious as to why there was an issue anyway, and how it got automatically resolved.
Could it have been the old online / offline transaction thing, and it rectified when back online?
Anyone else experienced similar yet?
2 Likes
I ordered something and the round up went, item was refunded, round up stayed in pot. I wonder if it’s that broken with the 1% cashback too 
Cash back can break as much as it wants 
2 Likes
Had the same issue last week. Payment was returned and the roundup went through 
The funny part is that it happened on the exact day when I moved £0.22 to make sure I have a .00 amount 
No way!!
I moved 22p from one account to my Chase account to make is .00 too 
1 Like